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GENERAL DISCLOSURES REQUIRED by the FEDERAL TRUTH in LENDING ACT Form

GENERAL DISCLOSURES REQUIRED by the FEDERAL TRUTH in LENDING ACT Form

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exam number one is truth and lending act is synonymous with regulation z it they mean the same thing they're both the same that they're they're used interchangeably those terms are and you have to know the origins of the law so it was very common practice for lending institutions to pre-approve somebody at a certain rate and certain fees only six weeks later right before the closing date they would throw a curve ball on the borrower and charge and say listen if you want our money there's been a change and you know you got to pay a half a percent more on your apr and uh there's going to be x amount of dollars in additional fees and many times the borrower found themselves in a position where they had no choice but to go along with it and banks use this on a regular basis to pad the bottom line so in 1968 congress said enough and they passed the truth and lending act now there are some things that you have to know about this act number one it was p

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